competition wizard magazine

competition wizard magazine
competition wizard magazine

Saturday, September 11, 2021

Junior Science Refresher

 Junior Science Refresher

Junior Science Refresher this is science magazine in india published this is article page no 71 we know the president said ostensibly that the reason for invading was to find weapons of mass destruction and prevent saddam hussein from using them. his removal from office could create a new democratic iraq. america invaded and found no weapons of mass destruction – not even a hint of them. now the media is basically reporting that we are involved in a civil war in iraq and we are losing it. somewhere in between the two ends of the story is the truth and you need to know it so that you dont have to be inundated with bias from all sides of the media both liberal and conservative. lets go through the great myths of iraq. myth 1 – invading iraq has helped us with the war on terrorism nonsense there is no war on terrorism in iraq. osama bin laden attacked the two world trade center buildings in nyc more than five years ago. hello has anybody heard recently whether anybody is looking for bin laden anymore. if so who what resources are being devoted to taking down this awful hateful man? i suggest very little is being done. everyones attention is on iraq. saddam hussein was not an exporter of terror. he used terror as an internal weapon inside iraq to control the very people that we obviously cant control. these people do not want a democracy if they did they would fight for it. instead they fight each other even in the same neighborhoods. its a civil war folks pure and simple. myth 2 – the militarys post war planning was okay not great but okay? really donald rumsfelds defense department could not have done a worse job if they had set out to do one as an objective. there was literally zero post war planning compared to the actual invasion that took place junior science refresher magazine.

 Junior Science Refresher

Junior Science Refresher

 Junior Science Refresher 

Junior Science Refresher this is science magazine in india published this is article page no 73 the looting of the civil infrastructure after our invasion including the pilfering of museums was a tip-off as to how undermanned and under planned we really were. myth 3 – if only we stayed the course as the president is fond of saying it will work out in the end. theres a line that goes if you always do what you always did youll always get what you always got. in life if something isnt working you change it. you do something else. you do not just keep doing what you were doing. this president is stubborn without being wise. perhaps more than anyone else in the history of the modern presidency he shows a reluctance to learn from his mistakes and total lack of desire to inquire as to alternative options. hes locked into a thinking that just doesnt work. he has never allowed the decision making process to be vetted by opposing thinkers. in this behavior he is unique and foolish. myth 4 – iraq will become democratic in time. sure and i believe in the tooth fairy. this is not the american revolution a unique era with a unique group of the best read self-educated men in history. unrivaled in courage our founders had the desire to stand against england and form a republic for which it stands. president bush is right when he says i havent seen thomas jefferson in iraq yet. jefferson doesnt exist in iraq and perhaps never will. myth 5 – our situation in iraq has made our position stronger in the world? really do you really want to argue this one? iraq had the 4th or 5th largest standing army in the world. we demonstrated that we could take it apart and destroy it in 29 days. this was a valuable lesson for the world to learn. in the aftermath we demonstrated that we could not govern. we could not influence events. our influence frankly just broke down and we did it in the face of the world while everybody was watching. our enemies and our friends recognize that we do not have the capacity to back up our rhetoric with military action anywhere else in the world while we are bogged down in iraq. placing 140000 troops currently in iraq has made us incapable of operating anywhere else. if north korea were to create a provocative act today what would we do? if iran were to send troops into the iraqi desert or better yet to saudi arabia or kuwait what would we do? we no longer have a draft. the military is having major problems fulfilling their current manpower requirements. has anybody noticed the disproportionate number of officers at the lieutenant level and above that are dying in iraq. last week 3 lieutenant colonels were killed in action junior science refresher magazine.

 Junior Science Refresher 

Competition Success Review

 Competition Success Review

Competition Success Review published this article page no 2 he has adopted the notion that all he had to do is win by one vote and the power was his to effectuate and do whatever he wanted to. for six years he has been right. the congress has essentially rubber-stamped everything the president has asked for and he has not been held accountable for the false assumptions under which the war in iraq was initially waged. next week will be the first time to hold the president accountable for the mismanagement of the war over the last three years. what kind of conservative is the president? he has outspent any liberal democratic president in history mounting up deficits at a rate that a drunken sailor would envy. he gave tax cuts to the rich and financed the cuts through deficit spending by borrowing the money from japan china and europe and leaving the unpaid burden to our children to worry about. does this make sense to you? if you are going to give tax cuts shouldnt your budget be in surplus first. he has chosen to cut all spending for stem cell research to protect the rights of the unborn yet doesnt believe in programs for the poor. a third of this country is running around without even the most basic health insurance and hes protecting the rights of the unborn. he doesnt want the government to fund abortions. okay but think about this. without abortions over the last generation there would have been 20 million unloved uncared for additional children born in america. it would not have affected the rich they always had access to abortions and always will regardless of the law. where would we be today with such a policy? if you want to argue that these unborn children would have been adopted and cared for i have one word for you sure. there are already hundreds of thousands of abused children going through our foster care system that nobody wants. the president would have added 20 million more Subscribe online.

 Competition Success Review

Friday, September 10, 2021

Meri saheli magazine yearly subscription

 Meri saheli magazine yearly subscription

Meri saheli magazine yearly subscription  published this is article page no 41 if you play it safe in a casino you may get lucky and win a big jackpot on the slot machines but if you want to make millions you are going to have to play games such as poker blackjack roulette and <a href=httpwww.online-casinos-789.comabout-craps.html>craps <a>. these are the games that with some skill some luck and a lot of risk taking you can retire off your winnings. the same can be said about life in general. no one gets ahead in life from playing it safe. you will not meet your special someone if you are too afraid to risk getting rejected by someone you will never get that big promotion unless you take risks at your job. it is very important to continue to take risks in life. to stop taking risks means to stand still in life. standing still in life is one of the main causes of depression. these are usually the people afraid to confront the boss and tell him that they demand a raise they are the ones that allow life to pass them by out of fear. the entire purpose of fear is to stop you from taking a risk. fear is nothing more then the unknown. if you have always wanted to quit your job and open a shop but you are too afraid to do it this is because you are afraid of failing and risking what you already have. it is important to learn to take risks in life if you want to be happy you may not always get the things you risked for but you will know that you tried and in the end it does not matter in my opinion if you succeed or not it is how many risks you try to make that is the real test of how successful you are. just remember if no one took risks we would be a world without flight and probably no automotive vehicles at all maybe we would have no electricity Meri saheli hindi magazine subscription.

 Meri saheli magazine yearly subscription

Meri saheli magazine yearly subscription

 Meri saheli magazine yearly subscription

Meri saheli magazine yearly subscription  published this is article page no 42 the civil war (1861-5) has spawned numerous myths and falsities. the republicans did not intend to abolish slavery - just to contain it i.e. limit it to the 15 states where it had already existed. most of the democrats accepted this solution. this led to a schism in the democratic party. the fire eaters left it and established their own pro-secession political organization. growing constituencies in the south - such as urban immigrants and mountain farmers - opposed slavery as a form of unfair competition. less than one quarter of southern families owned slaves in 1861. slave-based mainly cotton raising enterprises were so profitable that slave prices almost doubled in the 1850s. this rendered slaves - as well as land - out of the reach of everyone but the wealthiest citizens. cotton represented three fifths of all united states exports in 1860. southerners dependent on industrial imports as they were supported free trade. northerners were vehement trade protectionists. the federal government derived most of its income from custom duties. income tax and corporate profit tax were yet to be invented. the states seceded one by one following secession conventions and state-wide votes. the confederacy (confederate states of america) was born only later. not all the constituents of the confederacy seceded at once. seven - the core - seceded between december 20 1860 and february 1 1861. they were south carolina mississippi florida alabama georgia louisiana and texas. another four - virginia north carolina tennessee and arkansas - joined them only after the attack on fort sumter in april 1861. two - kentucky and missouri - seceded but were controlled by the unions army throughout the war. maryland and delaware were slave states but did not secede. president james buchanan who preceded abraham lincoln made clear that the federal government would not use force to prevent secession. secession was declared unconstitutional by the supreme court only in 1869 (in texas vs. white) - four years after the civil war ended. new england almost seceded in 1812 during the anglo-american conflict in order to protect its trade with britain Meri saheli hindi magazine subscription.

 Meri saheli magazine yearly subscription

Thursday, September 9, 2021

Banking service chronicle

 Banking service chronicle

Banking service chronicle Monthly Magazine by bsc academy-subscribe published this article page no 27 clintons side claims that obama does not have enough political experience to be able to act as a president and that his campaign was built solely on words. in response obama delivered his words matter speech wherein he insists that words have the power to change minds and inspire citizens. the clinton campaign then latched on to the accusation of plagiarism bringing to fore the similarities between the obama and patrick speeches. both obama and patrick declared that no plagiarism has taken place. obama reasons out that he and patrick are good friends and that they often talk about strategies. patrick delivered his just words speech in 2006 as retaliation to criticism that he was ill equipped to handle real political problems and that his campaign was running solely on well-versed speeches. according to patrick after clinton made the same accusations of his friend obama he encouraged the illinois senator to defend himself the same way patrick did in 2006 banking service chronicle monthly magazine.

 Banking service chronicle

Banking service chronicle

 Banking service chronicle

Banking service chronicle Monthly Magazine by bsc academy-subscribe published this article page no 26 democrat presidential hopeful barack obama from illinois is accused of plagiarizing speeches from a 2006 speech by deval patrick the democratic governor of massachusetts. the obama speech entitled words matter was delivered in feb. 16 2008 during a meeting in wisconsin and had several similarities with the patrick speech delivered in 2006. particularly noticeable are the passages wherein both obama and patrick list famous historical quotes such as i have a dream we hold these truths to be self-evident that all men are created equal and we have nothing to fear but fear itself in an effort to demonstrate the power of words. both speeches were delivered in an effort to defend the use of speeches and rhetoric as a campaign strategy. obama has recently received criticism from democratic candidate hillary clinton banking service chronicle monthly magazine.

 Banking service chronicle


Wednesday, September 8, 2021

bank clerk exam mock test online

 bank clerk exam mock test online


15 Startling Reasons Why Your 401(k) May Be Your Riskiest Investment

bank clerk exam mock test online Financial institutions have a distinct genius for marketing. They are able to get millions of Americans to hand over their money with very little thought taken, very little knowledge of the so-called investments offered, and even less control of their investments. bank clerk exam online practice test details When the evidence is plainly presented, it becomes overwhelmingly clear that putting money into 401(k)s and similar qualified plans is not investing at all--it is one of the riskiest gambles for most individuals. Read the following reasons why I say this, and ask yourself if it's time to reconsider your 401(k). online bank clerk exam practice tests free

 bank clerk exam mock test online


banking services chronicle book

 banking services chronicle book


Published this article : banking services chronicle book  The gushing and fawning by Boston columnists over how quickly Governor Mitt Romney mastered the nuts and bolts of Big Dig information is frightening. I think his new found leadership is a diversion. In a slick show of control over the Central Artery Tunnel fiasco Mitt commands respect with a flick of his magic pointer. The media swoon. It looks like a Boston rendition of Chicago Bechtel as Roxie Hart kept safe and comfy in the lap of master puppeteer Mitt Romney playing Billy Flynn. Nice guy cute guy downright lovable when he is home pretending he cares great song and dance man but there is more going on here than screwing in anchor bolts. Much harder questions need to be asked and investigated by the local media and by independent safety engineers to assure that no more 3-ton ceiling slabs land on commuters or travelers. But as with any good magic show Mitt has all eyes trained on the anchor bolts while he tries to convince the public jury that the real fault lies with Matt Amarillo and that Bechtel should be free to just walk out the door. Just when we thought it was going to be safe to go back in the Central Artery Tunnels in Boston the Governor let us know that more anchor bolts were faulty in several lanes of I-90 and perhaps in more tunnels. One of the problems with listening to Governor Romney Turnpike Chair Matt Amarillo or most CA/T predecessors is that they are lawyers and businessmen not engineers. So take a minute during Mitts Magic Show to visit the CA/T with my tunnel vision because something does not smell right. Even though the laser light is dazzling and the hard hat adds such charm. Im not ready to clear the deck of the Super Scoop barge for a decisive victory photo-op. First take a really close look at the failed epoxy holding the anchor bolts that suspend the 3-ton concrete ceiling panels. Here are some of the easy to follow instructions for construction workers regarding epoxy- Prior to application all areas must be free of contamination such as waxes oils loose concrete dirt curing compounds etc.  Acid etching followed by proper neutralization and rinsing is usually acceptable if the concrete is in excellent condition not contaminated.  (emphasis mine). Drum Roll-Mitt shines a laser light into the dark tunnel and we hear the ooows and ahhhs over the new shiny anchor bolts and a slight of hand trick begins. Will the rabbit now stay in the hole or pop out of the hard hat? Wake up. Remove your gaze from the anchor bolts and focus on the other end of the suspension rods within the ceiling panels themselves. We see a concrete ceiling with newly tightened anchor bolts on the top and steel cable rods embedded in 3-ton concrete slabs suspended beneath on the other end of the cable.  No steel beams exist in the I-90 connector to create the desirable steel-bolted-to-steel infrastructure. So any suspended cable will only behave as well as the concrete on either end allows it to behave. If I put an anchor bolt in a wad of silly putty and hang a rod embedded in 5 lbs. of modeling clay from it…well its hanging there with a limited lifespan I dont care how new the anchor bolt might be. Anchor bolts will mean very little if this construction mess in downtown Boston is the result of mixing contaminated dirt and fill into the composition of the concrete ceiling walls or floor. Here is how the trick might have been done (1) While most eyes follow the light and focus on anchor bolts our current investigation shows that there is a global demand for recycled construction products. This demand has increased substantially during the past two decades. The Big Dig produced over 4000 miles and over 11 million cubic feet of dirt in the early digging stages. Most of this dirt and debris was processed for contamination and recycled into the Big Dig as clay landfill capping material project backfill and as aggregate (mix) for the tons and tons of concrete needed for the project. The miles of extra dirt came from the demolition at the airport the dredging of the harbor floor by the Super Scoop for the Ted Williams Tunnel the digging of the coffer dam excavation of miles underneath downtown Boston for the Tip ONeil Tunnel digging out tunnel entrances etc. In Big Dig II Down Under co-producer Arnie Reisman and I investigated this dirt and decided to follow the good news. The uncontaminated clay portions of this fill were going to be used to cap Spectacle Island and hundreds of Massachusetts landfills an appropriate reuse of heavier clay materials. We were assured that there was a dirt-testing lab and that all of the contaminated soil was being properly distributed and reviewed by the Department of Environmental Protection (DEP). We were handed stacks of literature interagency agreements regarding contaminated materials and many many press releases about the massive volume of dirt being tested and processed. Occasionally there was other good news on the disposition of the dirt. There were mountains of dirt and any disposition was cause for celebration. After all any unused dirt was going to cost the project and the managers big money for disposal. (2) Digging back through my Big Dig materials I unearthed a 1992 Memorandum of Understanding between the Department of Environmental Protection and the Massachusetts Highway Department about the contaminated materials in the soil. This addressed the process for oversight and inspections of the dirt for specific chemicals contaminating the soil that are harmful to humans and wildlife. Of course those employees at the state DEP who were overseeing the process with the Big Dig were salaried by the Massachusetts Highway Department and the Central Artery Tunnel Project. We wont even begin to examine that closet. Why? Because right now we are trying to figure out the rabbit in the hat for Mitts Magic Show about the anchor bolts. (3) During construction there seemed to be an ongoing safety process regarding the concrete. Footage in Big Dig IV Still Working contained a segment on the concrete testing process that was overseen by the Joint Venture of Bechtel and the Massachusetts Highway Department. This footage will soon be available at our web site PolarisProduction.com where we will also uncover what we consider to be the design change that is causing continuous leaks in the I-93 tunnel. This past winter a small Big Dig contractor was accused and indicted for allegedly mixing too much old concrete in with new concrete to create a substandard mix that may be contributing to some leaks in the I-93 tunnel underneath Boston. This was a red flag that something may be NOT O.K. with at least some of the concrete but no one really noticed. (4) By looking carefully at the Memorandum of Agreement it is obvious that the chemical contaminants in the DEP agreement are not the same chemical contaminants that can be harmful to the strength of the concrete or to the tendency of certain chemical contaminants to corrode embedded steel.  When certain chemicals are present in the sand and soil used as the aggregate or the mixing soil that is added to cement to make concrete they can weaken or affect other properties of the concrete. These effects may happen over time and consequently may not be detected using temperature and slump tests on the not-yet-hardened concrete. The Joint Venture (the state and Bechtel) was required to sample portions of the concrete in all Big Dig contracts for strength. If the aggregate used to make this same concrete contained chemical contaminants that do not affect concrete strength but can corrode steel fittings rapidly how would we know? Well obviously we check the standards right? That way we always mix in aggregate that does not contaminate the concrete in ways that can be disastrous. When I looked for national standards on chemical contaminants and concrete mix I found only an early attempt in Australia (1994-1996) to develop such construction standards for recycled material used in concrete construction. Many more Internet references attested to a lack of the type of precise testing over time that could lead to such standards. Perhaps the CA/T was following a set of engineering standards of which I am not aware. Of greatest concern is for the public to be informed about which chemical contaminates can affect the strength and durability of the concrete and which were present in what percentages in the recycled fill used throughout the CA/T tunnels. It is particularly important that an independent evaluation team makes a thorough investigation of the chemical properties of the recycled aggregate soil used throughout the project. This could help to identify areas that can be expected to have premature corrosion of steel rods embedded in concrete or that cause the concrete to expand or crumble or leak. So 12 years of Republican controlled reassurances that the harmful soil was being disposed of properly failed to explain to us that the tests were only for the chemicals and soil properties directly dangerous to humans for example piles of dirt that contained mercury. The tests and press releases from the CA/T in 1991-1995 did not describe the concentrations of chemical contaminants in fill that could cause premature collapse of the tunnel ceiling or walls from faulty concrete. We have those listed on our web site at our web site PolarisProduction.com . We would appreciate hearing from any students engineers or chemical engineers who can provide clarification on this matter. We will post your information and we will post any established standards for contaminates used in concrete aggregates along with any standards used by the CA/T in disposition of the dirt back into the Artery construction. While we will continue to investigate this potential concrete catastrophe and review the documents and tapes at our disposal someone with far greater resources like the mainstream media needs to examine the CA/T deals made with contractors. How much of the previously used dirt and debris from demolition dredged or excavated material were each of these contractors required to reuse in their concrete? Was it tested for the road salts and other contaminants that may not be immediately harmful to people and therefore ruled usable by the DEP? Were those contaminates in sufficient quantity to pose problems as a concrete aggregate? Does the effort to get rid of over 4000 miles of soil through recycling and to save money or make money from disposal of the fill now threaten our lives when we drive through 3.8 million cubic feet of weakened or corrosive concrete? Our future could depend upon understanding the nature of these man-made caverns before the Big Dig becomes the Big Tomb. Remember look beyond Mitts Magic Show to see how this rabbit was stuffed into the hole in the first place. Next we look at the design change that may be the primary cause of I-93 tunnel leaks. banking services chronicle book

 banking services chronicle book


banking services chronicle current affairs pdf

  banking services chronicle current affairs pdf

Published this article : banking services chronicle current affairs pdf  Foreign aid foreign trade and foreign direct investment (FDI) have become weapons of mass persuasion deployed in the building of both the pro-war pro-American coalition of the willing and the French-led counter coalition of the squealing. By now it is clear that the United States will have to bear the bulk of the direct costs of the actual fighting optimistically pegged at c. $200 billion. The previous skirmish in Iraq in 1991 consumed $80 billion in 2002 terms - nine tenths of which were shelled out by grateful allies such as Saudi Arabia and Japan. Even so the USA had to forgive $7 billion of Egyptian debt. According to the General Accounting Office another $3 billion were parceled at the time among Turkey Israel and other collaborators partly in the form of donations of surplus materiel and partly in subsidized military sales. This time around old and newfound friends - such as Jordan an erstwhile staunch supporter of Saddam Hussein - are likely to carve up c. $10 billion between them says the Atlanta Journal-Constitution. Jordan alone has demanded $1 billion. According to the Knight Ridder Newspapers in February 2003 an Israeli delegation has requested an extra $4-5 billion in military aid over the next 2-3 years plus $8 billion in loan guarantees. Israel the largest American foreign and military aid recipient is already collecting c. $3 billion annually. It is followed by Egypt with $1.3 billion a year - another rumored beneficiary of $1 billion in American largesse. Turkey stands to receive c. $6 billion for making itself available (however reluctantly belatedly and fitfully) as staging grounds for the forces attacking Iraq. Another $20 billion in loan guarantees and $1 billion in Saudi and Kuwaiti oil have been mooted. In the thick of the tough bargaining with Turkey demurring and refusing to grant the USA access to its territory the International Monetary Fund - thought by many to be the long arm of US foreign policy - suddenly halted the disbursement of money under a two years old standby arrangement with the impoverished country. It implausibly claimed to have just unearthed breaches of the agreement by the Turkish authorities. This systemic non-compliance was being meticulously chronicled - and scrupulously ignored by the IMF - for well over a year now by both indigenous and foreign media alike. Days after a common statement in support of the American stance the IMF clinched a standby arrangement with Macedonia the first in two turbulent years. On the same day Bulgaria received glowing - and counterfactual - reviews from yet another IMF mission clearing the way for the release of a  tranche of $36 million out of a loan of $330 million. Bulgaria has also received $130 million in direct US aid between 2001-3 mainly through the Support for East European Democracy (SEED) program. But the IMF is only one tool in the administrations shed. President Bush has increased Americas foreign aid by an unprecedented 50 percent between 2003-6 to $15 billion. A similar amount was made available between 2003-8 to tackle AIDS mainly in Africa. Half this increase was ploughed into a Millennium Challenge Account. It will benefit countries committed to democracy free trade good governance purging corruption and nurturing the private sector. By 2005 the Account contained close to $5 billion and is being replenished annually to maintain this level. This expensive charm offensive was intended to lure and neutralize the natural constituencies of the pacifistic camp non government organizations activists development experts developing countries and international organizations. As the war drew nearer the E10 - the elected members of the Security Council - also cashed in their chips. The United States has softened its position on trade tariffs in its negotiations of a free trade agreement with Chile. Immigration regulations were relaxed to allow in more Mexican seasonal workers. Chile received $2 million in military aid and Mexico $44 million in development finance. US companies cooperated with Angola on the development of offshore oilfields in the politically contentious exclave of Cabinda. Guinea and Cameroon absorbed dollops of development aid. Currently Angola receives c. $19 million in development assistance. Cameroon already benefits from military training and surplus US arms under the Excess Defense Articles (EDA) program as well as enjoying trade benefits in the framework of the Africa Growth and Opportunity Act. Guinea gets c. $26 million in economic aid annually plus $3 million in military grants and trade concessions. The United States has also pledged to cause Iraq to pay its outstanding debts mainly to countries in Central and East Europe notably to Russia and Bulgaria. Iraq owes the Russian Federation alone close to $9 billion. Some of the Russian contracts with the Iraqi oil industry thought to be worth dozens of billions of dollars may even be honored by the victors promised the Bush administration. It reneged on both promises. Debt relief reduced Iraqs debt by 90% and all Saddam Hussein era contracts were vitiated. Thus the outlays on warfare are likely be dwarfed by the price tag of the avaricious constituents of president Bushs ramshackle coalition. New York Times columnist Paul Krugman aptly christened this mass bribery The Martial Plan. Quoting some observers he wrote The administration has turned the regular foreign aid budget into a tool of war diplomacy. Small countries that currently have seats on the U.N. Security Council have suddenly received favorable treatment for aid requests in an obvious attempt to influence their votes. Cynics say that the coalition of the willing President Bush spoke of turns out to be a coalition of the bought off instead. But this is nothing new. When Yemen cast its vote against a November 1990 United Nations Security Council resolution authorizing the use of force to evict Iraq from Kuwait - the United states scratched $700 million in aid to the renegade country over the following decade. Nor is the United States famous for keeping its antebellum promises. Turkey complains that the USA has still to honor its aid commitments made prior to the first Gulf War. Hence its insistence on written guarantees signed by the president himself. Similarly vigorous pledges to the contrary aside the Bush administration has allocated a pittance to the reconstruction of Afghanistan in its budgets - and only after it is prompted to by an astounded Congress. Macedonia hasnt been paid in full for NATOs presence on its soil during the Kosovo conflict in 1999. Though it enjoyed $1 billion in forgiven debt and some cash Pakistan is still waiting for quotas on its textiles to be eased based on an agreement it reached with the Bush administration prior to the campaign to oust the Taliban. Congress is a convenient scapegoat. Asked whether Turkey could rely on a further dose of American undertakings Richard Boucher a State Department spokesman responded truthfully I think everybody is familiar with our congressional process. Yet the USA despite all its shortcomings is the only game in town. The European Union cannot be thought of as an alternative benefactor. Even when it promotes the rare coherent foreign policy regarding the Middle East the European Union is no match to Americas pecuniary determination and well-honed pragmatism. In 2002 EU spending within the Euro-Mediterranean Partnership amounted to a meager $700 million. The EU signed association agreements with some countries in the region and in North Africa. The Barcelona Process launched in 1995 is supposed to culminate by 2010 in a free trade zone incorporating the European Union Algeria Morocco Tunisia Egypt Israel Jordan Lebanon the Palestinian Authority Syria and Turkey. Libya has an observer status and Cyprus and Malta have joined the EU in the meantime. According to the International Trade Monitor published by the Theodore Goddard law firm the Agadir Agreement the first intra-Mediterranean free trade compact was concluded In March 2003 between Egypt Jordan Morocco and Tunisia. It is a clear achievement of the EU. The European Union signed a Cooperation Agreement with Yemen and in 1989 with the Gulf Cooperation Council comprising Saudi Arabia Kuwait Bahrain Qatar United Arab Emirates and Oman. A more comprehensive free trade agreement covering goods services government procurement and intellectual property rights is in the works. The GCC has recently established a customs union as well. Despite the acrimony over Irans not-so-civilian nuclear program the EU may soon ink a similar set of treaties with Iran with which the EU has a balanced trade position - c. $7 billion of imports versus a little less in exports. The EUs annual imports from Iraq - at c. $4 billion - are more than 50 percent higher than they were prior to Iraqs invasion of Kuwait in 1990. It purchases more than one quarter of Iraqs exports. The EU exports to Iraq close to $2 billion worth of goods far less than it did in the 1980s but still a considerable value and one fifth of the countrys imports. EU aid to Iraq since 1991 exceeds $300 million. But Europes emphasis on trade and regional integration as foreign policy instruments in the Mediterranean is largely impracticable. Americas cash is far more effective. Charlene Barshefsky the former United States trade representative from 1997 to 2001 explained why in an opinion piece in the New York Times The Middle East ... has more trade barriers than any other part of the world. Muslim countries in the region trade less with one another than do African countries and much less than do Asian Latin American or European countries. This reflects both high trade barriers ... and the deep isolation Iran Iraq and Libya have brought on themselves through violence and support for terrorist groups ... 8 of (the regions) 11 largest economies remain outside the WTO. Moreover in typical EU fashion the Europeans benefit from their relationships in the region disproportionately. Bilateral EU-GCC trade for instance amounts to a respectable $50 billion annually - but European investment in the region declined precipitously from $3 billion in 1999 to half that in 2000. The GCC on its part has been consistently investing $4-5 billion annually in the EU economies. It also runs an annual trade deficit of c. $9 billion with the EU. Destitute Yemen alone imports $600 million from the EU and exports a meager $100 million to it. The imbalance is partly attributable to European non-tariff trade barriers such as sanitary regulations and to EU-wide export subsidies. Nor does European development aid compensate for the EUs egregious trade protectionism. Since 1978 the EU has ploughed only $210 million into Yemens economy for instance. A third of this amount was in the form of food support. The EU is providing only one fifth of the total donor assistance to the country. In the meantime the USA is busy signing trade agreements with all and sundry subverting what little leverage the EU could have possessed. In the footsteps of a free trade agreement with Israel America has concluded one with Jordan in 2000. The kingdoms exports to the United States responded by soaring from $16 million in 1998 to c. $400 million in 2002. Washington negotiated a similar deal with Morocco. It is usurping the EUs role on its own turf. Who can blame French president Jacques Chirac for blowing his lid. banking services chronicle current affairs pdf